Purchase & Equity
SBA 7(a) Loan
2026 SBA 7(a) acquisition loans commonly price near Prime + 2.75% with 10-year terms for business-only deals.
Seller Note
Lenders often require the seller note on standby (interest only or fully deferred) for the first 24 months so it can count toward the buyer's equity injection.
Business Cash Flow
SDE is the seller's discretionary earnings you are buying. Subtracting your salary and a capital expenditure reserve leaves the cash available to service debt.
Coverage & Cash Flow
Monthly Payment Stack
Full Deal Report Full Report
Sensitivity: DSCR by Price and SDE
Each cell re-runs the deal with the down payment and seller note held at the same percentage of price. Green is 1.50 or better, amber 1.25 to 1.49, red below 1.25 (most SBA lenders want 1.25 minimum, 1.50 preferred).
10-Year Amortization Schedule
Annual totals for both tranches. The seller note column reflects any interest-only standby period you selected.
| Yr | SBA Interest | SBA Principal | SBA Balance | Note Interest | Note Principal | Note Balance | Total Paid |
|---|